BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-3 without dependents at Raleigh draws $2,232 per month in 2026

    Permalinkbahratedesk.com/raleigh-nc/o-3/without/ExcelCSVDownloads cover this station.
    Raleigh, NC
    O-3 · without dependents
    $2,232/ month
    $26,784 / year
    At O-3, this is #175 of 338 stations loaded · high San Francisco $5,331 · low Youngstown $1,344
    MHA NC185 · ZIPs 27502 27511 27512 27513 27518 27519 +61 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$2,862 / mo gross
    Other dependency status here$2,391 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Raleigh — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,947$1,515
    E-2$1,947$1,515
    E-3$1,947$1,515
    E-4$1,947$1,515
    E-5$2,091$1,695
    E-6$2,319$1,812
    E-7$2,343$1,950
    E-8$2,373$2,142
    E-9$2,445$2,202
    Warrant officer
    W-1$2,337$1,908
    W-2$2,355$2,139
    W-3$2,394$2,211
    W-4$2,466$2,319
    W-5$2,562$2,349
    Officer — prior enlisted
    O-1E$2,346$2,088
    O-2E$2,385$2,187
    O-3E$2,481$2,310
    Officer
    O-1$2,127$1,800
    O-2$2,316$2,046
    O-3$2,391$2,232
    O-4$2,589$2,334
    O-5$2,736$2,352
    O-6$2,757$2,370
    O-7$2,775$2,409
    PCS compareRaleigh · O-3 · $2,232/mo
    Aberdeen Proving Grounds$2,643/mo · $31,716/yr
    ▲ RAISE+$411+$4,932/yr · like +$6,323 of salary

    What this rate means

    O-3 without dependents, nearest stations0 – $5,331 / month
    San Francisco$5,331
    Chattanooga$2,247
    Eastern Shore$2,238
    Gainesville$2,238
    Duluth$2,232
    Raleigh$2,232
    Battle Creek$2,220
    Lemoore NAS$2,220
    Yakima$2,214
    Jacksonville$2,211
    Youngstown$1,344

    Raleigh is #175 of 338. The spread between the dearest and cheapest station at this grade is $3,987 a month — $47,844 a year, untaxed.

    Every pay grade at Raleigh0 – $2,409 / month
    E-1$1,515
    E-2$1,515
    E-3$1,515
    E-4$1,515
    E-5$1,695
    E-6$1,812
    E-7$1,950
    E-8$2,142
    E-9$2,202
    W-1$1,908
    W-2$2,139
    W-3$2,211
    W-4$2,319
    W-5$2,349
    O-1E$2,088
    O-2E$2,187
    O-3E$2,310
    O-1$1,800
    O-2$2,046
    O-3$2,232
    O-4$2,334
    O-5$2,352
    O-6$2,370
    O-7$2,409

    Promoting to O-4 here adds $102 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Raleigh to San Francisco at O-3 is worth $3,099 a month — about 30 promotions worth of housing allowance, at $102 per grade here.

    02

    Dependency status is worth 7% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,232 a month of BAH takes more than $2,232 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.